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Earn sweet rewards when you save up for the things you want.

Save now, buy later, earn cashback... debt-free

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Earn cashback when you save up to buy

Because not everyone wants to buy now and pay later

3 steps to use Sugar

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Set a goal

Find a brand on Sugar and choose something you want to save up for

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Create your purchase plan

Set a target date and decide how frequently to save.
Savings are deducted automatically from your debit or credit card.

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Get rewarded

Every time you save, we'll reward you a surprise amount of cashback of up to 100%.

Follow the instructions to redeem your purchase and withdraw your cashback directly into your bank account.

Here's how Sugar could work for you

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Samsung's Galaxy Z Flip

Get it debt-free in 9 weeks (RM410/week)

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Dyson's Airwrap Complete Long

Get it debt-free in 3 months (RM650/2 weeks)

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Nespresso's Inissia C40

Get it debt-free in 2 months (RM233/month)

Saving up has never been this sweet

Plan for future purchases and get rewarded

Sugar is free, and you'll also be debt-free

Cancel anytime and get a refund

Safe & secure
Instant approval
No strings attached
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Trusted by Malaysians

See what our users say about us

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5 / 5

I love Sugar! Saving up is the smarter way to afford things and the cashback is icing on the cake

Zati Hulwani - 24 years old
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4.5 / 5

I'm someone who plans her purchases ahead of time, finally I get rewarded for saving up

Michelle Chen - 32 years old
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5 / 5

I'm so glad there's a better way to afford stuff without getting into debt

Kiat How - 28 years old